Mortgage Underwriter
Company: UNMB Home Loans Inc
Location: Levittown
Posted on: February 16, 2026
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Job Description:
Job Description Job Description SUMMARY: The Retail Mortgage
Underwriter will underwrite residential mortgage loans in
accordance with Secondary Market, Investor and Government (FHA/VA)
and GSE underwriting guidelines. The successful candidate must be
located in the NY Tri-State area, DUTIES AND RESPONSIBILITIES: The
following reflects management's definition of essential functions
for this job but does not restrict the tasks that may be assigned.
Management may assign or reassign duties and responsibilities to
this job at any time due to reasonable accommodation or other
reasons. Underwrite loan applications to granted credit
underwriting authority ensuring adherence to Company and investor
credit quality standards. Analyze mortgage loan files, which
includes customer's application, income documentation, appraisal
and title reports, to ensure compliance with the company's
policies, as well as state and federal regulations. Analyze loan
attributes and documentation for soundness and accuracy. Analyze
loan applications to identify any risk issues and/or potential
misrepresentation. Evaluate overall income, credit and equity of
each loan application. Provide support to Loan Officers and
Relationship Managers regarding questions and/or clarification of
inquiries, loan files, and underwriting guidelines. Ensure timely
review and follow-up steps in order to meet and exceed customer's
expectations. Keep up to date on investor and regulatory policies,
procedures and changes that affect mortgage underwriting.
Effectively Communicate with, team members and management on
outstanding requirements and conditions Review all AUS findings and
ensure data integrity of income, credit debts, assets and equity
calculations and adherence to guidelines. Review AUS and ensure of
required documentation is obtain as outlined in AUS and supports
bullet point above. QUALIFICATIONS: To perform this job
successfully an individual must be able to perform each essential
duty satisfactorily. The requirements listed below are
representative of the knowledge, skill and or ability required.
Bachelor's degree preferred. 3 years underwriting residential
mortgage experience. Must have recent experience lending in New
York City and surrounding areas. Must have conforming conventional
experience. Must hold and maintain approvals for: DE, VA SARs, and
LAPP loans. Must be very familiar with all rental guidelines,
multifamily, Cooperatives, and CEMA's. Must have strong knowledge
of 203K & Homestyle Loans. Working knowledge of Encompass. Strong
verbal and written communication skills. Team player with a strong
commitment to customer service. Adherence to established policies
and procedures pertinent to the position which include but are not
limited to BSA, Privacy, CRA and Safeguarding Customer Information.
Effective oral and written communication with customers, co-workers
and all levels of management. Excellent interpersonal and
organizational skills. Ability to work well with co-workers and all
levels of management. Skills to identify and resolve problems in a
timely manner by gathering and analyzing information. Capable of
working under pressure and meeting deadlines. Computer literate
experienced with Microsoft Office Suite & Teams. DE Certification
required. SAR/LAPP Certification required. All offers are
contingent on the successful completion of criminal background
check.
Keywords: UNMB Home Loans Inc, Newark , Mortgage Underwriter, Accounting, Auditing , Levittown, New Jersey
